Save Money on Chevy Suburban Insurance in San Diego

How many times have you put off comparing quotes for the cheapest car insurance rates in San Diego, CA? San Diego buyers have options when searching for low-cost Chevy Suburban insurance. They can either waste time calling around trying to get quotes or leverage the internet to get rate quotes.

There are both good and bad ways to shop for car insurance so we’re going to tell you the proper way to compare rates for a Chevy and get the best price possible either online or from San Diego insurance agents.

Surprisingly, a recent survey revealed that almost 70% of insureds kept buying from the same company for more than four years, and nearly the majority have never compared rates from other carriers. California consumers could save nearly $500 each year, but most undervalue the large savings they would see if they switched to a more affordable policy.

Get discounts to get affordable San Diego auto insurance quotes

Auto insurance is expensive, but there could be significant discounts that you may not know about. Certain credits will be shown at quote time, but occasionally some discounts must be asked about before being credited. If you check and find you aren’t receiving every discount you deserve, you are paying more than you should be.

• E-sign – A few insurance companies give back up to $50 for signing up on their website.
• Early Switch Discount – A few auto insurance companies offer discounts for renewing your policy before your current coverage expires. It can save you around 10%.
• ABS Brakes – Cars and trucks equipped with ABS or steering control can avoid accidents so you can save 10 percent or more.
• Theft Deterrent System – Anti-theft and alarm system equipped vehicles are stolen with less frequency and will qualify for a discount on a San Diego car insurance quote.
• Low Mileage Discounts – Driving less could be rewarded with better prices on cars that stay parked.
• Discounts for Federal Employees – Having worked for a branch of the government may reduce rates when you quote San Diego car insurance with a few auto insurance companies.
• Drivers Education – Cut your cost by having your teen driver participate in a local driver’s education class in high school.

Consumers should know that some of the credits will not apply to the whole policy. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like you can get free auto insurance, you’re out of luck. But any discount will definitely reduce your overall bill.

To locate auto insurance companies that provide some of the discounts listed above in California, click here.

The quickest method to get rate comparisons for Chevy Suburban insurance in San Diego is to know the fact most insurance companies have advanced systems to give free rates quotes. The one thing you need to do is give them some information like your job, daily mileage, how much education you have, and if a SR-22 is required. The data is then sent to multiple companies and they provide comparison quotes within a short period of time.

To find lower lower-cost Chevy Suburban insurance rates now, click here and enter your coverage details.

The providers in the list below are our best choices to provide price comparisons in California. If multiple companies are listed, we recommend you visit two to three different companies to get a more complete price comparison.

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Premium amounts do not factor in San Diego location which can affect insurance rates noticeably.

Should you raise deductibles?

When shopping for auto insurance, a common question is how high should the deductibles for physical damage be. The comparisons below can help you understand the price difference when you select higher and lower physical damage coverage deductibles. The first pricing table uses a $250 deductible for physical damage and the second set of rates uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in garaging location in San Diego which can impact insurance rates significantly.

Based on the figures above, using a $250 deductible costs about $18 more each month or $216 a year than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at least 14 months between claim filings, you would probably be better off if you elect the higher deductible.

Bad driving habits will cost you more

The information below illustrates how speeding tickets and at-fault fender-benders impact Chevrolet Suburban insurance prices for different ages of insureds. Data assumes a single female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

Auto insurance cost for men versus women

The information below shows the difference between Chevrolet Suburban annual premium costs for male and female drivers. The rates are based on no claims or driving violations, comp and collision included, $500 deductibles, single marital status, and no discounts are taken into consideration.

Learn How to Get Car Insurance More Affordably

Lots of things are used when you get your auto insurance bill. A few of the factors are predictable like an MVR report, but others are less apparent like your vehicle usage or your commute time. A large part of saving on car insurance is knowing a few of the rating criteria that go into determining car insurance rates. If you know what positively or negatively impacts your premiums, this helps enable you to make changes that may result in much lower annual insurance costs.

The list below includes some of the major factors used by companies to determine your prices.

• Never let your car insurance policy lapse – Going without insurance is a quick way to bump up your car insurance costs. And not only will your rates increase, failure to provide proof of insurance could earn you fines and jail time.
• Qualify for multi-policy discounts – Some companies afford lower prices to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to get quotes from other companies to help guarantee you have the best rates.
• Performance affects insurance prices – The performance of the car you are buying insurance for makes a substantial difference in the rate you pay. Because the Chevrolet Suburban falls in the standard SUV class, insuring your vehicle will cost slightly more than the average rate where you live in San Diego. Lower performance four cylinder passenger cars generally have the cheapest insurance rates, but the cost you end up paying is determined by many additional factors.
• Do men or women drive better? – Over the last 50 years, statistics have shown females are less aggressive when driving. Now that doesn’t mean men are WORSE drivers than women. Men and women are in auto accidents in similar numbers, but the males get into accidents with more damage. In addition to higher claims, males also get higher numbers of serious violations such as reckless driving. Young men ages 16 to 20 are several times more likely to be in an accident and therefore have the most expensive car insurance rates.
• Insurance loss data for a Chevy Suburban – Insurers use past loss statistics for each vehicle as a way to help calculate a profitable premium rate. Models that are shown to have a trend towards higher claims will have increased rates.

  The data below shows the insurance loss data used by companies for Chevy Suburban vehicles. For each policy coverage, the statistical loss for all vehicles as a whole is set at 100. Numbers below 100 represent a good loss history, while values that are above 100 point to more losses or an increased chance of a larger loss.

  Auto Insurance Loss Data for Chevrolet Suburban Models

  Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Chevrolet Suburban 1500 4dr 2WD	90	92	90	67
  Chevrolet Suburban 1500 4dr 4WD	109	113	124	72	70

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Car insurance agents can help

Some consumers still prefer to buy from a licensed agent and doing so can bring peace of mind Good agents can help you build your policy and help you file claims. The biggest benefit of price shopping on the web is that drivers can save money and get lower premium rates and still buy from a local agent. And providing support for local agencies is important especially in San Diego.

To make it easy to find an agent, after completing this quick form, the coverage information is transmitted to agents in your area who will give you bids for your insurance coverage. It’s much easier because you don’t need to contact an agency due to the fact that quote results will go to the email address you provide. If you want to compare prices from a specific car insurance provider, don’t hesitate to go to their quote page and fill out the quote form the provide.

Two types of San Diego car insurance agents

If you are wanting to purchase car insurance from local San Diego agents, there are two different types of agents from which to choose. Car insurance policy providers are categorized either exclusive or independent. Either one can write policy coverage, but it’s a good idea to understand how they are different since it can impact the selection process.

Independent Insurance Agents

Agents that choose to be independent often have affiliation with several companies so they can quote policies through lots of different companies depending on which coverage is best. If they find a cheaper price, the agent simply finds a different carrier and you don’t have to find a new agent. If you are comparing car insurance prices, we recommend you get quotes from a couple of independent agencies in order to have the best price comparison. Most can insure with different regional companies which could offer lower prices.

Shown below is a partial list of independent insurance agents in San Diego that may be able to provide price quote information.

• Nationwide Insurance: Keith Jackson Insurance Agency Inc
  1081 Camino del Rio S Ste 210 – San Diego, CA 92108 – (916) 742-6995 – View Map
• Springbrook Insurance Agency
  10650 Treena St #105 – San Diego, CA 92131 – (858) 391-3001 ext. 105 – View Map
• AG Insurance Agency
  11440 W Bernardo Ct #161 – San Diego, CA 92127 – (858) 431-9880 – View Map

View more San Diego agents

Exclusive Car Insurance Agents

Exclusive agents work for only one company like Allstate, AAA, Farmers Insurance, and State Farm. These agents are unable to provide other company’s prices so it’s a take it or leave it situation. They receive a lot of sales training on the products they sell and that enables them to sell even at higher rates. Many people use the same exclusive agent primarily because of the brand and strong financial ratings.

Listed below is a list of exclusive insurance agencies in San Diego who can help you get rate quotes.

• Duane Werner – State Farm Insurance Agent
  6663 El Cajon Blvd j – San Diego, CA 92115 – (619) 668-5414 – View Map
• Rob Robinson – State Farm Insurance Agent
  9939 Hibert St #203 – San Diego, CA 92131 – (619) 275-6000 – View Map
• Steve Elder – State Farm Insurance Agent
  9225 Mira Mesa Blvd #208d – San Diego, CA 92126 – (858) 271-8928 – View Map

View more San Diego agents

Finding a good insurance agency shouldn’t rely on just the bottom line cost. These are valid questions to ask:

• Do they have any clout with companies to ensure a fair claim settlement?
• Do they prorate repair cost based on vehicle mileage?
• Does the agent recommend any additional coverage?
• How will an accident affect your rates?
• Can you contact them at any time?
• Will the quote change when the policy is issued?
• What is their Better Business Bureau rating?
• How are claims handled?

Car insurance protects more than just your car

Even though San Diego Suburban insurance rates can get expensive, paying for car insurance serves a purpose in several ways.

• The majority of states have compulsory liability insurance requirements which means you are required to buy specific limits of liability coverage if you don’t want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your Suburban has a lien holder, almost every bank will have a requirement that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the lender may insure your Chevy for a much higher rate and force you to pay the higher price.
• Insurance safeguards both your Chevy Suburban and your personal assets. It will also provide coverage for medical expenses for yourself as well as anyone injured by you. Liability insurance also covers legal expenses if you are sued as the result of your driving. If you have damage to your Chevy as the result of the weather or an accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.

The benefits of buying car insurance greatly outweigh the cost, particularly for liability claims. According to a recent study, the average American driver is overpaying over $850 per year so shop around at every policy renewal to help ensure money is not being wasted.

What is YOUR best insurance company?

Consumers change insurance companies for a number of reasons such as poor customer service, questionable increases in premium, policy non-renewal or being labeled a high risk driver. No matter why you want to switch, finding a new company is not as hard as you think.

We just covered quite a bit of information on how to compare Chevy Suburban insurance premium rates in San Diego. The key concept to understand is the more rate comparisons you have, the higher your chance of finding affordable San Diego car insurance quotes. Drivers may even discover the best premium rates are with a smaller regional carrier.

While you’re price shopping online, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced liability limits or collision coverage only to regret that it was a big mistake. Your aim should be to buy enough coverage at a price you can afford, but do not skimp to save money.

More information is available at the links below

• Distracted Driving Statistics (Insurance Information Institute)
• Who Has Cheap San Diego Auto Insurance for Ride Shares? (FAQ)
• What Insurance is Cheapest for Drivers with Bad Credit in San Diego? (FAQ)
• Comprehensive Coverage (Liberty Mutual)
• Senior Drivers (Insurance Information Institute)